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ABA: The American Bankers Association
Industry Insight

Unlocking Liquidity: Transitioning from Collateral to Reciprocal Deposits

  • Brought to you by R&T Deposit Solutions, LLC
  • Published September 4, 2025

How Smaller Banks Can Capitalize on a Big Opportunity

In today’s volatile environment, liquidity, capital efficiency, and customer retention are more important than ever. For banks, particularly community and regional institutions, reciprocal deposits represent a powerful tool to enhance balance sheet management, reduce collateral burdens, and deepen client relationships.

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R&T Deposit Solutions, LLC

Reich & Tang is a deposit specialist that provides bank trust/wealth managers with a multi-million dollar FDIC insured alternative to money funds. The program offers clients high levels of FDIC insurance, increased yield potential, decreased risk, and enables banks to access investors’ cash balances as a funding source for the bank.

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